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Business Automobile

Business AutoQuoteAlmost every business may face a loss due to its owning, renting, using, or loading/unloading a vehicle. Most coverage needs can be handled by a business auto policy (BAP) or similar form. BAPs may cover a variety of operations, including trucking, garaging, public and private transport, and businesses with auto exposures that fall outside the other classes. Coverage is flexible. It may be purchased as a separate policy or as part of a package of coverage that may also protect buildings and business property (equipment, furniture, etc.).

A BAP generally offers:

  • Liability Coverage - protection for physical injury to other persons or their property because of an accident related to your covered vehicle, including legal defense cost or expense.
  • Comprehensive Coverage - handles loss from any cause, except collision. A limited, less expensive option is available. It only protects against a set of specific causes such as fire, lightning, explosion, vandalism, and several others)
  • Collision - takes care of damage from crashes with another object or overturn of the vehicle
  • Towing And Labor Costs for disabled vehicles
  • Loss of Use-Rental Vehicle Coverage - if you damage a rental car, this option helps to reimburse the rental company for income it loses because the vehicle is out of use. Also, there may be limited coverage for injury or damage that you cause to others while using a rented vehicle anywhere in the world.

Business Auto Policy Exclusions

Typically a business auto (or similar form) will not provide coverage for the following:

  • Any injury/damage that you expected or intended
  • Responsibility for damage you assume under a contract
  • Losses that should be handled by a Workers Compensation, Disability Benefits or Unemployment Compensation Law
  • Bodily Injury to an employee caused by a Fellow Employee
  • Damage to property that is in your Care, Custody and Control
  • Any bodily injury or property damage that occurs because of Pollution
  • Any loss that is related to racing, demolition or stunts

Other items that are not covered are the same as those found with most types of policies, such as Nuclear Hazard or any type of War or Military Action. Racing, Wear and Tear, Freezing, Mechanical or Electrical Breakdown, Blowouts, Punctures or Other Road Damage to Tires are also excluded.

Some Content Provided By: (c) Insurance Information Institute, Inc. - Used With Permission ALL RIGHTS RESERVED

 

Please provide the following information to obtain a quote:

Please remember, that no coverage should ever be considered bound until you have received confirmation from our office.



Please provide us with your contact information to complete this quote form:




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Please include your complete address with city, state and zip. Do not use a P.O. Box:


Vehicle Information:


Please provide information about the first vehicle you would like quoted:
Please note that you can provide information for up to four vehicles. If you have more than four vehicles, please contact our office.
If you do not have this information, you can save this request and return to complete it later.
If you are leasing a car, would you like coverage in case the lease payoff amount is higher than the value of the car in the event of a total loss?
Indicate the name on the title:
Comprehensive coverage includes things like theft or other damage not caused by a collision with another vehicle.
Please provide information on the second vehicle you would like quoted: SKIP
If you do not have this information, you can save this request and return to complete it later.
If you are leasing a car, would you like coverage in case the lease payoff amount is higher than the value of the car in the event of a total loss?
Indicate the name on the title:
Comprehensive coverage includes things like theft or other damage not caused by a collision with another vehicle.
Please provide information for the third vehicle you would like quoted: SKIP
If you do not have this information, you can save this request and return to complete it later.
If you are leasing a car, would you like coverage in case the lease payoff amount is higher than the value of the car in the event of a total loss?
Indicate the name on the title:
Comprehensive coverage includes things like theft or other damage not caused by a collision with another vehicle.
Please provide information on the fourth vehicle you would like quoted: SKIP
If you do not have this information, you can save this request and return to complete it later.
If you are leasing a car, would you like coverage in case the lease payoff amount is higher than the value of the car in the event of a total loss?
Indicate the name on the title:


Additional Information About Vehicle(s):



Please provide information about the driver(s) in your household:
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Please provide information on the second driver: SKIP
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Please provide information on the third driver: SKIP
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Please provide information about the fourth driver: SKIP
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Additional Information About Drivers:


Please provide information about the coverage you would like quoted: